AROPE insurance in Lebanon: plans, benefits and price
The plans we compare for this insurer, from its current tariff. Premiums are computed in the calculator for your car or your family's ages.
Compare car insurance prices now Compare health insurance prices nowCar insurance plans (6)
All-risk
AROPE ADVANCED
AROPE Advanced All Risks, fresh USD, cars up to 50,000 and 12 years, without dealer repair. TPL 1,000,000 plus excess bodily injury 500,000 with an AROPE compulsory policy; PA 7,500 per person; medical 2,500. Replacement car 30.00 per day up to 15 days, partial theft 2,500, hail and flood up to 5,000, scratching and denting included. Depreciation on new spare parts: none for brand-new cars, then 10% + 5% per year up to 50%. Minimum premium 675.00. Effective 01/07/2026, BI excluded.
Benefits
Advanced All Risks · AROPE
Core Cover
- ✓Material TPL – 1,000,000
- ✓Excess bodily injury – Up to 500,000 free of charge with an AROPE compulsory policy in force
- ✓Death / disability driver and family passengers – 7,500 per person, 37,500 aggregate
- ✓Medical expenses – 2,500 per person, 12,500 aggregate
- ✕Depreciation on new spare parts – None for brand-new cars (age 0) when used parts are unavailable; 10% in year 2, then +5% per year up to 50%
- ✕Dealer repair – See Advanced + dealer (cars up to 3 years)
Additional Benefits
- ✓Replacement car – Up to 15 days excluding the first 3 working days, max 10 consecutive, 30.00 per day, 450.00 aggregate, total loss included
- ✓Partial theft – Up to 2,500 per claim and in the aggregate
- ✓Registration fees – Up to 10% of value on total loss, if the new car is insured with AROPE within 2 months
- ✓Hail, storm, tempest, flood – Up to 10% of sum insured, max 5,000 aggregate, 100.00 deductible
- ✓Scratching and denting – Included (intentional acts excluded)
- ✓Road assistance – Unlimited mileage per accident, crane included, one towing per case
Conditions
- ✓Eligibility – Vehicles under 2 tons, not double alloy wheels; sports, classic and armoured vehicles referred to AROPE
- ✓Repairs – AROPE network or dealer workshops when eligible; outside the network only with prior approval
- ✓Total loss – Repairs above 65% of market or insured value
- ✓Exclusions – Hijacking, racing and rallies, political risks, war and terrorism, sanctions clause, terrorism, strikes and riots
Tariff MT/LS/TAR/260624 · effective 01/07/2026 · Fresh USD · BI excluded · Cars up to 50,000, up to 12 years
All-risk
AROPE ADVANCED + DEALER
AROPE Advanced All Risks with dealer repair, cars up to 50,000 and 3 years. Same covers as Advanced with repairs at the authorised dealer and no depreciation on new original spare parts. Minimum premium 785.00. Effective 01/07/2026, BI excluded.
Benefits
Advanced + dealer repair · AROPE
Core Cover
- ✓Material TPL – 1,000,000
- ✓Excess bodily injury – Up to 500,000 free of charge with an AROPE compulsory policy in force
- ✓Death / disability driver and family passengers – 7,500 per person, 37,500 aggregate
- ✓Medical expenses – 2,500 per person, 12,500 aggregate
- ✓Depreciation on new spare parts – None: new original spare parts with dealer repair
- ✓Dealer repair – Included: authorised dealer workshops, cars up to 3 years, prior written notification
Additional Benefits
- ✓Replacement car – Up to 15 days excluding the first 3 working days, max 10 consecutive, 30.00 per day, 450.00 aggregate, total loss included
- ✓Partial theft – Up to 2,500 per claim and in the aggregate
- ✓Registration fees – Up to 10% of value on total loss, if the new car is insured with AROPE within 2 months
- ✓Hail, storm, tempest, flood – Up to 10% of sum insured, max 5,000 aggregate, 100.00 deductible
- ✓Scratching and denting – Included (intentional acts excluded)
- ✓Road assistance – Unlimited mileage per accident, crane included, one towing per case
Conditions
- ✓Eligibility – Vehicles under 2 tons, not double alloy wheels; sports, classic and armoured vehicles referred to AROPE
- ✓Repairs – AROPE network or dealer workshops when eligible; outside the network only with prior approval
- ✓Total loss – Repairs above 65% of market or insured value
- ✓Exclusions – Hijacking, racing and rallies, political risks, war and terrorism, sanctions clause, terrorism, strikes and riots
Tariff MT/LS/TAR/260624 · effective 01/07/2026 · Fresh USD · BI excluded · Cars up to 50,000, up to 3 years, dealer repair
All-risk
AROPE HIGH VALUE
AROPE High Value All Risks, fresh USD, cars 50,001 to 250,000 and up to 9 years, without dealer repair. TPL 2,000,000 plus excess bodily injury 1,000,000 with an AROPE compulsory policy; PA 10,000 per person; medical 5,000. Replacement car 60.00 per day up to 21 days, partial theft 10,000, SRCC 5,000, hail and flood 10,000, registration fees 10% on total loss. Depreciation on new spare parts unless dealer repair is included. Effective 01/07/2026, BI excluded.
Benefits
High Value All Risks · AROPE
Core Cover
- ✓Material TPL – 2,000,000
- ✓Excess bodily injury – Up to 1,000,000 free of charge with an AROPE compulsory policy in force
- ✓Death / disability driver and family passengers – 10,000 per person, 50,000 aggregate
- ✓Medical expenses – 5,000 per person, 25,000 aggregate
- ✕Depreciation on new spare parts – None with dealer repair (see High Value + dealer); otherwise 10% in year 2, then +5% per year up to 50%
- ✕Dealer repair – See High Value + dealer (cars up to 6 years)
Additional Benefits
- ✓Replacement car – Up to 21 days excluding the first 3 working days, max 10 consecutive, 60.00 per day, 1,260.00 aggregate, total loss included
- ✓Partial theft – Up to 10,000 per accident and in the aggregate
- ✓Registration fees – Up to 10% of market value on total loss, if the new car is insured with AROPE
- ✓Hail, storm, tempest, flood – Up to 10,000 per accident and in the aggregate
- ✓SRCC – Up to 5,000 per accident and in the aggregate
- ✓Scratching and denting – Included (intentional acts excluded)
- ✓Road assistance – Unlimited mileage per accident, crane included, one towing per case
Conditions
- ✓Eligibility – Vehicles under 2 tons, not double alloy wheels; sports, classic and armoured vehicles referred to AROPE
- ✓Sports cars – 500.00 deductible per loss if the driver is under 28
- ✓Total loss – Repairs above 65% of market or insured value
- ✓Exclusions – Hijacking, racing and rallies, political risks, war and terrorism, sanctions clause
Tariff MT/LS/TAR/260624 · effective 01/07/2026 · Fresh USD · BI excluded · Cars 50,001 to 250,000, up to 9 years
All-risk
AROPE HIGH VALUE + DEALER
AROPE High Value All Risks with dealer repair, cars 50,001 to 250,000 and up to 6 years. Same covers as High Value with repairs at the authorised dealer and no depreciation on new original spare parts. Effective 01/07/2026, BI excluded.
Benefits
High Value + dealer repair · AROPE
Core Cover
- ✓Material TPL – 2,000,000
- ✓Excess bodily injury – Up to 1,000,000 free of charge with an AROPE compulsory policy in force
- ✓Death / disability driver and family passengers – 10,000 per person, 50,000 aggregate
- ✓Medical expenses – 5,000 per person, 25,000 aggregate
- ✓Depreciation on new spare parts – None: new original spare parts with dealer repair
- ✓Dealer repair – Included: authorised dealer workshops, cars up to 6 years, prior written notification
Additional Benefits
- ✓Replacement car – Up to 21 days excluding the first 3 working days, max 10 consecutive, 60.00 per day, 1,260.00 aggregate, total loss included
- ✓Partial theft – Up to 10,000 per accident and in the aggregate
- ✓Registration fees – Up to 10% of market value on total loss, if the new car is insured with AROPE
- ✓Hail, storm, tempest, flood – Up to 10,000 per accident and in the aggregate
- ✓SRCC – Up to 5,000 per accident and in the aggregate
- ✓Scratching and denting – Included (intentional acts excluded)
- ✓Road assistance – Unlimited mileage per accident, crane included, one towing per case
Conditions
- ✓Eligibility – Vehicles under 2 tons, not double alloy wheels; sports, classic and armoured vehicles referred to AROPE
- ✓Sports cars – 500.00 deductible per loss if the driver is under 28
- ✓Total loss – Repairs above 65% of market or insured value
- ✓Exclusions – Hijacking, racing and rallies, political risks, war and terrorism, sanctions clause
Tariff MT/LS/TAR/260624 · effective 01/07/2026 · Fresh USD · BI excluded · Cars 50,001 to 250,000, up to 6 years, dealer repair
All-risk
AROPE STANDARD
AROPE Standard All Risks, fresh USD, cars up to 50,000 and 12 years, without dealer repair. TPL 1,000,000; PA 4,000 per person; medical 2,000. Depreciation on new spare parts: none for brand-new cars, 10% in year 2 then 5% per year up to 50%. No partial theft, no natural perils. Minimum premium 630.00. Effective 01/07/2026, BI excluded.
Benefits
Standard All Risks · AROPE
Core Cover
- ✓Material TPL – 1,000,000
- ✓Death / disability driver and family passengers – 4,000 per person, 20,000 aggregate
- ✓Medical expenses – 2,000 per person, 10,000 aggregate
- ✓Own damage, fire, theft, hold-up, total loss – Insured or market value, whichever is less
- ✕Depreciation on new spare parts – None for brand-new cars (age 0) when used parts are unavailable; 10% in year 2, then +5% per year up to 50%
- ✕Dealer repair – Not included
- ✓Theft / hold-up deductible – 10% on total loss by theft
Additional Benefits
- ✓Replacement car – Total loss only: up to 10 days, 25.00 per day, 250.00 aggregate
- ✕Partial theft – Excluded
- ✕Scratching and denting – Excluded
- ✕Natural perils – Excluded
- ✕SRCC – Excluded
- ✓Road assistance – Unlimited mileage per accident, crane included, one towing per case
Conditions
- ✓Eligibility – Vehicles under 2 tons, not double alloy wheels; sports, classic and armoured vehicles referred to AROPE
- ✓Repairs – AROPE network or dealer workshops when eligible; outside the network only with prior approval
- ✓Total loss – Repairs above 65% of market or insured value
- ✓Exclusions – Hijacking, racing and rallies, political risks, war and terrorism, sanctions clause, natural perils, partial theft
Tariff MT/LS/TAR/260624 · effective 01/07/2026 · Fresh USD · BI excluded · Cars up to 50,000, up to 12 years
Total loss
AROPE TOTAL LOSS
AROPE Total Loss, private cars up to 250,000: total loss by accident (repairs above 65% of value), fire, theft and hold-up, 10% deductible. TPL 500,000; PA 5,000 per person; medical 1,000; road assistance. Rates by car age from 1.50% (0-2 years) to 2.50% (12+ years), minimum premium 250.00. Effective 01/07/2026, BI excluded.
Benefits
Total Loss · AROPE
Core Cover
- ✓Cover – Total loss by accident (repairs above 65% of value), fire, theft and hold-up
- ✓Material TPL – 500,000
- ✓Death / disability driver and family passengers – 5,000 per person, 25,000 aggregate
- ✓Medical expenses – 1,000 per person, 5,000 aggregate
- ✓Deductible – 10%
Additional Benefits
- ✓Road assistance – Unlimited mileage per accident, crane included, one towing per case
- ✕Partial damage – Not covered
- ✕Natural perils – Excluded
- ✕SRCC – Excluded
Conditions
- ✓Eligibility – Vehicles under 2 tons, not double alloy wheels; sports, classic and armoured vehicles referred to AROPE
- ✓Exclusions – Hijacking, racing and rallies, political risks, war and terrorism, sanctions clause, natural perils, terrorism, strikes and riots
Tariff MT/LS/TAR/260624 · effective 01/07/2026 · Private cars up to 250,000 · BI excluded
Health insurance plans (4)
AROPE Medicare Basic F.N.
AROPE Medicare Basic, full network excluding CMC and Bellevue, classes A, B and C, co-nil, fresh USD. In-hospital 300,000 / 250,000 / 200,000 per year, ambulatory add-on 3,500, no doctor visits or medications. Family discount 2% to 10%. Policy fee 20.00. TPA Nextcare. Tariff from 01/06/2026.
Benefits
Medicare Basic · AROPE (Full Network)
Core Cover
- ✓In-hospital limit – Class A 300,000; class B 250,000; class C 200,000 per insured per year
- ✓Network – All hospitals in Lebanon excluding CMC and Bellevue; worldwide on reimbursement
- ✓Co-insurance – Co-nil
- ✓Ambulatory limit – 3,500 per year (add-on)
- ✕Doctor visits / medications – Not covered
- ✓Congenital cases (Arope Baby) – Up to 15,000 / 10,000 / 7,500 by class
- ✓Prosthesis – 100% after accident; up to 5,000 after sickness
Additional Benefits
- ✓Ambulatory add-on – 85% co-insurance on the full network, or 85% / 100% on the limited network (excluding hospitals); doctor visits and medications on renewals only
- ✓Family discount – 2% for 2 members, 4% for 3, 6% for 4, 8% for 5, 10% for 6 or more (renewal loss ratio under 80%)
- ✓NSSF members – Co-NSSF tariff 5% (A), 6% (B), 7% (C) lower, on request
- ✓Travel assistance – Assist America: repatriation, return of a family member, second medical opinion
- ✓Personal accident – Policyholder up to 65: death or permanent disability by accident
Conditions
- ✓Age at entry – Under 18 to 75; married women under 18 rated as 18-24; age = policy year minus year of birth (next year for policies issued July-December)
- ✓Waiting periods – 12 months for chronic and pre-existing conditions unless continuity; cancer and cardiovascular 12 and 6 months; maternity 12 months
- ✓Newborn – Free until the end of the mother's policy year when the delivery is covered
- ✓Occupational loading – 10% to 20% for manual trades
Tariff MD/LS/MEDBC-TAR/260623 · from 01/06/2026 · Fresh USD · Policy fee 20.00 · TPA Nextcare
AROPE Medicare Basic Restricted N.
AROPE Medicare Basic, restricted network (excluding AUB-MC, CMC, SGHUMC, LAU-MC and Bellevue), classes A, B and C, co-nil, fresh USD. In-hospital 300,000 / 250,000 / 200,000 per year, ambulatory add-on 3,500. Family discount 2% to 10%. Policy fee 20.00. TPA Nextcare. Tariff from 01/06/2026.
Benefits
Medicare Basic · AROPE (Restricted Network)
Core Cover
- ✓In-hospital limit – Class A 300,000; class B 250,000; class C 200,000 per insured per year
- ✓Network – Excluding AUB-MC, CMC, SGHUMC, LAU-MC and Bellevue; worldwide on reimbursement
- ✓Co-insurance – Co-nil
- ✓Ambulatory limit – 3,500 per year (add-on)
- ✕Doctor visits / medications – Not covered
- ✓Congenital cases (Arope Baby) – Up to 15,000 / 10,000 / 7,500 by class
- ✓Prosthesis – 100% after accident; up to 5,000 after sickness
Additional Benefits
- ✓Ambulatory add-on – 85% co-insurance on the full network, or 85% / 100% on the limited network (excluding hospitals); doctor visits and medications on renewals only
- ✓Family discount – 2% for 2 members, 4% for 3, 6% for 4, 8% for 5, 10% for 6 or more (renewal loss ratio under 80%)
- ✓NSSF members – Co-NSSF tariff 5% (A), 6% (B), 7% (C) lower, on request
- ✓Travel assistance – Assist America: repatriation, return of a family member, second medical opinion
- ✓Personal accident – Policyholder up to 65: death or permanent disability by accident
Conditions
- ✓Age at entry – Under 18 to 75; married women under 18 rated as 18-24; age = policy year minus year of birth (next year for policies issued July-December)
- ✓Waiting periods – 12 months for chronic and pre-existing conditions unless continuity; cancer and cardiovascular 12 and 6 months; maternity 12 months
- ✓Newborn – Free until the end of the mother's policy year when the delivery is covered
- ✓Occupational loading – 10% to 20% for manual trades
Tariff MD/LS/MEDBC-TAR/260623 · from 01/06/2026 · Fresh USD · Policy fee 20.00 · TPA Nextcare
AROPE Medicare F.N.
AROPE Medicare, individual and family healthcare, full network (all hospitals), classes A, B and C, co-nil, fresh USD. In-hospital 700,000 / 600,000 / 500,000 per year, ambulatory add-on 6,000 (85% full network or limited network 85% / 100%), doctor visits and medications on renewals only. Family discount 2% to 10%. Policy fee 25.00. TPA MedNet. Tariff from 01/06/2026.
Benefits
Medicare · AROPE (Full Network)
Core Cover
- ✓In-hospital limit – Class A 700,000; class B 600,000; class C 500,000 per insured per year
- ✓Network – All hospitals in Lebanon; worldwide on reimbursement at Lebanese tariffs
- ✓Co-insurance – Co-nil
- ✓Ambulatory limit – 6,000 per year (add-on)
- ✓Doctor visits / medications – 750 (15 visits x 50) / 2,750 per year, renewals only
- ✓Congenital cases (Arope Baby) – Up to 30,000 / 25,000 / 20,000 by class
- ✓Prosthesis – 100% after accident; up to 20,000 after sickness
Additional Benefits
- ✓Ambulatory add-on – 85% co-insurance on the full network, or 85% / 100% on the limited network (excluding hospitals); doctor visits and medications on renewals only
- ✓Family discount – 2% for 2 members, 4% for 3, 6% for 4, 8% for 5, 10% for 6 or more
- ✓NSSF members – Co-NSSF tariff 5% (A), 6% (B), 7% (C) lower, on request
- ✓Travel assistance – Assist America: repatriation, return of a family member, second medical opinion
- ✓Personal accident – Policyholder up to 65: death or permanent disability by accident
- ✓Extras – Breast reconstruction 5,000, bariatric surgery after 2 years, PET scan, video capsule 1,000, infertility 2,000
Conditions
- ✓Age at entry – Under 18 to 75; married women under 18 rated as 18-24; age = policy year minus year of birth (next year for policies issued July-December)
- ✓Waiting periods – 12 months for chronic and pre-existing conditions unless continuity; cancer and cardiovascular 12 and 6 months; maternity 12 months
- ✓Newborn – Free until the end of the mother's policy year when the delivery is covered
- ✓Occupational loading – 10% to 20% for manual trades
Tariff MD/LS/M-TAR/260526 · from 01/06/2026 · Fresh USD · Policy fee 25.00 · TPA MedNet
AROPE Medicare Restricted N.
AROPE Medicare, restricted network (excluding AUB-MC, CMC, SGHUMC, LAU-MC and Bellevue), classes A, B and C, co-nil, fresh USD. In-hospital 700,000 / 600,000 / 500,000 per year, ambulatory add-on 6,000. Family discount 2% to 10%. Policy fee 25.00. TPA MedNet. Tariff from 01/06/2026.
Benefits
Medicare · AROPE (Restricted Network)
Core Cover
- ✓In-hospital limit – Class A 700,000; class B 600,000; class C 500,000 per insured per year
- ✓Network – Excluding AUB-MC, CMC, SGHUMC, LAU-MC and Bellevue; class C on the contracted providers list; worldwide on reimbursement
- ✓Co-insurance – Co-nil
- ✓Ambulatory limit – 6,000 per year (add-on)
- ✓Doctor visits / medications – 750 (15 visits x 50) / 2,750 per year, renewals only
- ✓Congenital cases (Arope Baby) – Up to 30,000 / 25,000 / 20,000 by class
- ✓Prosthesis – 100% after accident; up to 20,000 after sickness
Additional Benefits
- ✓Ambulatory add-on – 85% co-insurance on the full network, or 85% / 100% on the limited network (excluding hospitals); doctor visits and medications on renewals only
- ✓Family discount – 2% for 2 members, 4% for 3, 6% for 4, 8% for 5, 10% for 6 or more
- ✓NSSF members – Co-NSSF tariff 5% (A), 6% (B), 7% (C) lower, on request
- ✓Travel assistance – Assist America: repatriation, return of a family member, second medical opinion
- ✓Personal accident – Policyholder up to 65: death or permanent disability by accident
- ✓Extras – Breast reconstruction 5,000, bariatric surgery after 2 years, PET scan, video capsule 1,000, infertility 2,000
Conditions
- ✓Age at entry – Under 18 to 75; married women under 18 rated as 18-24; age = policy year minus year of birth (next year for policies issued July-December)
- ✓Waiting periods – 12 months for chronic and pre-existing conditions unless continuity; cancer and cardiovascular 12 and 6 months; maternity 12 months
- ✓Newborn – Free until the end of the mother's policy year when the delivery is covered
- ✓Occupational loading – 10% to 20% for manual trades
Tariff MD/LS/M-TAR/260526 · from 01/06/2026 · Fresh USD · Policy fee 25.00 · TPA MedNet
